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, Elfitra Desy Surya

Universitas Pembangunan Panca Budi

Author-ID : 2621843

Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Public Health Social Sciences Other

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Kebijakan Moneter Hijau, Inklusi Keuangan Digital, dan Kinerja Keuangan UMKM terhadap Pengurangan Kemiskinan Hijau di Indonesia: Analisis Empiris untuk Pembangunan Ekonomi Berkelanjutan Rusiadi; Abdiyanto; Desy Surya, Elfitra; Indah Sari, Wahyu; Sitorus, Anggi Pratiwi
Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (Jebma) Vol. 5 No. 3 (2025): Artikel Riset Nopember 2025
Publisher : Yayasan Cita Cendikiawan Al Kharizmi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47709/jebma.v5i3.7246

Penelitian ini bertujuan untuk menganalisis pengaruh kebijakan moneter hijau dan inklusi keuangan digital terhadap kinerja keuangan UMKM serta implikasinya terhadap pengurangan kemiskinan hijau di Indonesia dalam konteks pembangunan ekonomi berkelanjutan. Kebijakan moneter hijau dipandang sebagai instrumen strategis Bank Indonesia dalam mendorong pembiayaan ramah lingkungan dan memperluas akses keuangan berkelanjutan melalui penyaluran kredit hijau. Sementara itu, inklusi keuangan digital berperan penting dalam memperkuat daya saing dan efisiensi transaksi keuangan pelaku usaha mikro, kecil, dan menengah (UMKM). Penelitian ini menggunakan data sekunder periode 2010–2024 yang bersumber dari Bank Indonesia, Otoritas Jasa Keuangan (OJK), Badan Pusat Statistik (BPS), dan Kementerian Koperasi dan UKM. Analisis dilakukan dengan metode Path Analysis untuk menguji hubungan langsung dan tidak langsung antarvariabel, dengan model jalur: Kebijakan Moneter Hijau ? Inklusi Keuangan Digital ? Kinerja Keuangan UMKM ? Kemiskinan Hijau. Hasil penelitian menunjukkan bahwa kebijakan moneter hijau berpengaruh positif dan signifikan terhadap inklusi keuangan digital dan kinerja keuangan UMKM. Peningkatan akses digital finansial dan pembiayaan hijau mendorong perbaikan kinerja usaha yang pada akhirnya menurunkan tingkat kemiskinan hijau, yaitu bentuk kemiskinan yang muncul akibat keterbatasan akses ekonomi terhadap sumber daya dan energi berkelanjutan. Selain itu, inklusi keuangan digital terbukti menjadi variabel mediasi penting yang menghubungkan kebijakan moneter hijau dengan peningkatan kinerja keuangan UMKM dan pengentasan kemiskinan hijau. Temuan ini menegaskan bahwa sinergi antara kebijakan moneter hijau, digitalisasi keuangan, dan pemberdayaan UMKM dapat menjadi strategi efektif untuk mencapai pembangunan ekonomi yang inklusif, tangguh, dan berkelanjutan di Indonesia. Kata kunci: kebijakan moneter hijau, inklusi keuangan digital, kinerja keuangan UMKM, kemiskinan hijau, pembangunan berkelanjutan.

Green Tourist Behavior Model For Realizing Ecotourism Destinations Sustainable Artifcial-based Intelligence Elfitra Desy Surya; Sri Rahayu; Rashdan Bin Rashid; Muhammad Faishal Annas
International Journal of Management, Economic and Accounting Vol. 3 No. 5 (2025): October 2025
Publisher : Yayasan Multidimensi Kreatif

Show Abstract | Download Original | Original Source | Check in Google Scholar

This study aims to test and analyze the influence of green perception on green tourism behavior. To test and analyze the influence of Green Environmental Concern on green tourism behavior. To test and analyze the influence of green tourism behavior on green tourism behavior. to test and analyze the influence of green perception on sustainable ecotourism. to test and analyze the influence of Green Environmental Concern on green tourism behavior. To test and analyze the influence of green perception on sustainable ecotourism mediated by green tourism behavior. To test and analyze the influence of Green Environmental Concern on sustainable ecotourism mediated by green tourism behavior. The population used in this study was 50,000 tourists with the slovin formula obtained a sample of 200 samples. The results of this study are that green perception has a positive and significant effect on green tourism behavior. Green Environmental Concern has a positive and significant effect on green tourism behavior. Green tourism behavior has a positive and significant effect on sustainable ecotourism. Green perception has a positive and significant effect on sustainable ecotourism. Green Environmental Concern for green tourism behavior. Green perception has a positive and significant effect on sustainable ecotourism mediated by green tourism behavior. Green Environmental Concern has a positive and significant effect on sustainable ecotourism mediated by green tourism behavior.

Analysis of Stress and Work Motivation on Employee Performance with Work Environment as a Mediation Variable at PT PLN Nusantara Power Generation Maintenance Unit (UPHK) Medan M S, Menganjur; Surya, Elfitra Desy
Journal of Research in Social Science and Humanities Vol 5, No 3 (2025)
Publisher : Utan Kayu Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47679/jrssh.v5i3.401

This study aims to test and analyze the effect of work stress on employee performance. Testing and analyzing work motivation for employee performance. Testing and analyzing the influence of the work environment on employee performance. To test and analyze the influence of work stress and work motivation on employee performance mediated by the work environment. This research is a quantitative research with an explanatory approach. The population in this study amounted to 45 people who were directly used as saturated samples. The sample in this study is 45 samples which are saturated samples. The results of the study are that work stress has a positive and significant effect on the environment of PT PLN Nusantara Power Generation Maintenance Unit (UPHK) Medan. Work motivation has a positive and significant effect on the performance of employees at PT PLN Nusantara Power Generation Maintenance Unit (UPHK) Medan. The work environment has a positive and significant effect on the performance of employees at PT PLN Nusantara Power Generation Maintenance Unit (UPHK) Medan. Work stress has a positive and significant effect on the performance of employees at PT PLN Nusantara Power Generation Maintenance Unit (UPHK) Medan. Work motivation has a positive and significant effect on the performance of employees at PT PLN Nusantara Power Generation Maintenance Unit (UPHK) Medan. The work environment has a positive and significant effect on the performance of employees at PT PLN Nusantara Power Generation Maintenance Unit (UPHK) Medan. Work stress and work motivation have a positive and significant effect on the Work Environment of employees at PT PLN Nusantara Power Generation Maintenance Unit (UPHK) Medan

Analysis of Gen Z Consumer Behavior in Visiting Malaysian Crab Mangrove Tourist Destinations: The Role of Tourist Perceptions and Preferences Elfitra Desy Surya; Sri Rahayu; Rashdan Bin Rashid; Muhammad Faishal Annas
International Journal of Management, Economic and Accounting Vol. 3 No. 6 (2025): December 2025
Publisher : Yayasan Multidimensi Kreatif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61306/ijmea.v3i6.663

This study aims to analyze the influence of tourist perception on loyalty mediated by tourist satisfaction in tourist destinations, focusing on Crab Mangrove Park, Malaysia. Tourists' perception of the quality of services, facilities, and natural attractions of destinations is considered an important factor in shaping the level of satisfaction which then affects tourist loyalty. In this study, we used a quantitative method with a survey approach to tourists who visited Crab Mangrove Park. The results of the study show that tourists' perception of tourist destinations has a positive and significant influence on their satisfaction. Traveler satisfaction, in turn, has been shown to mediate the relationship between perception and loyalty. Tourists who have a positive perception of the quality of service, natural beauty, and experience provided by the destination tend to feel satisfied and more loyal to the destination. This study advises tourist destination managers to improve the quality of services and experiences in accordance with travelers' preferences to create sustainable loyalty. Additionally, it's important for destination managers to pay attention to travelers' perceptions, as this contributes greatly to their satisfaction and loyalty levels in the future.

Enhancing Community-Based Renewable Energy Literacy Through University CSR Collaboration: A Comparative Study of UNPAB Indonesia and PTSS Malaysia Sri Rahayu, Sri Rahayu; Elfitra Desy Surya; Rosasmanizan Binti Ahmad; Faisal
International Journal of Management, Economic and Accounting Vol. 3 No. 6 (2025): December 2025
Publisher : Yayasan Multidimensi Kreatif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61306/ijmea.v3i6.664

This study examines the role of university-led Corporate Social Responsibility (CSR) programs in enhancing community-based renewable energy literacy through a comparative analysis of Universitas Pembangunan Panca Budi (UNPAB), Indonesia, and Polytechnic Tuanku Syed Sirajuddin (PTSS), Malaysia. As the global transition toward sustainable energy accelerates, universities are increasingly expected to contribute to environmental education and community empowerment. Using a qualitative comparative case study approach, data were collected through interviews, documentation, and field observations of CSR activities conducted by both institutions. The findings reveal that CSR programs integrating renewable energy education significantly improve community knowledge, awareness, and practical skills related to solar energy, waste-to-energy systems, and energy conservation practices. The study also highlights differences in program design, stakeholder engagement, and implementation strategies between UNPAB and PTSS, shaped by institutional capacity and national energy policies. Furthermore, the research underscores the importance of cross-border academic collaboration in strengthening sustainable development initiatives. This study contributes to the discourse on CSR in higher education by offering a model for integrating renewable energy literacy into community-focused programs and providing strategic recommendations to enhance future CSR-based sustainability efforts.

ANALYSIS OF TRANSFORMATIONAL LEADERSHIP AND WORKENVIRONMENT ON EMPLOYEE PERFORMANCE WITH ORGANIZATIONAL COMMITMENT AS AN INTERVENING VARIABLE AT THE MEDAN BELAWAN DISTRICT OFFICE Yose Ferry; Mesra B; Elfitra Desy Surya
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 4 No. 4 (2024): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v4i4.3645

This study aims to analyze the influence of transformational leadership and work environment on employee performance with organizational commitment as an intervening variable at the Medan Belawan District Office. This study uses a quantitative approach with a survey method by distributing questionnaires to 51 employees as respondents. The sample was determined using a purposive sampling technique so that the data obtained is in accordance with the research objectives. The data were analyzed using path analysis techniques to determine the direct and indirect effects between variables. The results of the study indicate that transformational leadership has a positive and significant effect on organizational commitment. The work environment has a positive but insignificant effect on organizational commitment, so its indirect effect on employee performance is also positive but insignificant. Organizational commitment also has a positive and significant effect on employee performance. Thus, organizational commitment acts as an intervening variable that mediates the effect of transformational leadership on employee performance but not the work environment. The results of this study are expected to be input for leaders in improving employee performance through the application of a transformational leadership style, creating a conducive work environment, and strengthening organizational commitment.

ANALYSIS OF JOB PROMOTION AND JOB TRAINING ON EMPLOYEE PERFORMANCE WITH WORK ABILITY AS AN INTERVENING VARIABLE AT THE DEPARTMENT OF EDUCATION AND CULTURE OF MEDAN CITY, NORTH SUMATRA PROVINCE Saiful Riza; Mesra B; Elfitra Desy Surya
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 4 No. 4 (2024): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v4i4.3646

This study aims to analyze the effect of job promotion and job training on employee performance, with job ability as an intervening variable at the Medan City Education and Culture Office, North Sumatra Province. The problem raised in this study is the suboptimal improvement of employee performance even though promotion and training programs have been implemented. This study uses a quantitative approach with a survey method. The research sample consisted of 113 permanent employees at the Elementary School and Guidance unit, selected by total sampling. The data analysis technique used Structural Equation Modeling (SEM) based on Partial Least Square (PLS). The results showed that there were two rejected hypotheses, namely job promotion had a positive but insignificant effect on employee performance and job training on performance through employee ability and five more hypotheses were accepted. These findings indicate that improving individual competence is key to optimizing the results of human resource management policies. Therefore, it is recommended that organizations continue to encourage performance-based promotions and training that is in accordance with work needs to improve employee performance as a whole.

ANALYSIS OF WORK QUALITY AND WORK ENVIRONMENT ON EMPLOYEE PERFORMANCE THROUGH JOB SATISFACTION AT THE MEDAN SUNGGAL DISTRICT OFFICE Siti Arnisah; Mesra B; Elfitra Desy Surya
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 4 No. 4 (2024): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v4i4.3647

This study aims to analyze the effect of work quality and work environment on employee performance, both directly and indirectly through job satisfaction as an intervening variable at the Medan Sunggal District Office. This study uses a quantitative approach with a survey method. The population in this study were all State Civil Apparatus (ASN) at the Medan Sunggal District Office, totaling 90 people. The data analysis technique used was Partial Least Squares Structural Equation Modeling (PLS-SEM) with the help of the SmartPLS 3.0 application. The results of the study indicate that work quality has a positive and significant effect on employee performance both directly and through job satisfaction. The work environment also has a positive but insignificant effect on employee performance, but through job satisfaction it has a positive and significant effect. In addition, job satisfaction has been shown to have a positive and significant effect on employee performance. Job satisfaction also significantly mediates the effect of work quality and work environment on employee performance. These findings indicate that improving work quality and a good work environment will encourage higher job satisfaction, which ultimately improves employee performance.

ANALYSIS OF EMPLOYEE MUTATION AND JOB PROMOTION ON EMPLOYEE PERFORMANCE MEDIATED BY JOB SATISFACTION AT THE REGIONAL REVENUE AGENCY NORTH SUMATRA PROVINCE Merlinda; Mesra B; Elfitra Desy Surya
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 4 No. 4 (2024): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v4i4.3648

This study aims to analyze the effect of employee transfers and job promotions on employee performance, both directly and through job satisfaction as a mediating variable at the Regional Revenue Agency of North Sumatra Province. Transfers and promotions are part of human resource management that are expected to improve employee motivation and performance. This study uses a quantitative approach with a survey method. Data were collected through questionnaires distributed to 90 respondents who were employees at the agency. Data analysis was carried out using the Structural Equation Modeling (SEM) method based on Partial Least Squares (PLS). The results of the study indicate that employee transfers directly have a positive but insignificant effect on employee performance, but their indirect effect through job satisfaction has a positive and significant effect. Employee transfers also have a positive and significant effect on job satisfaction. Job promotions, both directly and through job satisfaction, have a positive and significant effect on employee performance. Job promotions have a positive and significant effect on job satisfaction, as well as job satisfaction on employee performance also has a positive and significant effect.

COMPETENCY AND COMPENSATION ANALYSIS OF WORK PERFORMANCE WITH WORK ENVIRONMENT AS AN INTERVENING VARIABLE IN THE AGENCY FINANCE AND REGIONAL ASSETS OF NORTH SUMATRA PROVINCE Muhammad Faisal; Elfitra Desy Surya; Mesra B
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 4 No. 4 (2024): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v4i4.3649

This study aims to analyze the influence of competence and compensation on work performance with the work environment as an intervening variable at the Regional Finance and Asset Agency of North Sumatra Province. The research approach used is quantitative with a survey method by distributing questionnaires to employees as respondents. The research sample was determined using a purposive sampling technique so that the data obtained was in accordance with the research needs of 80 respondents. The data were analyzed using path analysis to measure the direct and indirect effects between variables. The results of the study indicate that competence has a positive and significant effect on work performance, but compensation has a positive but not significant effect on work performance. Competence has a positive and significant effect on the work environment, as well as compensation has a positive and significant effect on work performance. The work environment also has a positive and significant effect on employee work performance. Thus, the work environment is proven to mediate the influence of competence and compensation on employee work performance. The results of this study are expected to be input for management in improving work performance by increasing employee competence, providing appropriate compensation, and creating a supportive work environment.

Co-Authors , Harianto , Muhammad Isa Indrawan , Rahul Ardian Fikri Abdiyanto Abdiyanto Abdul Samad Arief Andriani, Anggi Anggi Pratiwi Sitorus Annas, Muhammad Faishal Arif Budiman Arifah Hidayati Asman, Muhammad Syahrin Azizah Novita B, Mesra B., Mesra Bambang Aditya Irsandi Bambang Suwarno Barus, Apriwati Budi Rusdianto Budi, Surya Bunga Aditi Chairina, Fatma Dedy Suranta Sinukaban Desy Astuti Dewi Nurmasari Pane Dharmazie Dwi Ilham Eka Gunawan Putra Elisabeth Kristina Junita Sianipar Emmy Robiyah Erizal , Erlina Satrin NY Erwansyah Erwansyah, Erwansyah Eva Santika, Eva Faisal Faisal Faisal hakim Fauziah Nur Purwaningsih Felani, Kiki Farida Felani, Virdyra Tasril Fernando Manurung Firman Ario Furqan Furqan, Furqan GS , Achmad Daengs Harahap, Rahmat Hidayat Hasrul Azwar Hasibuan Hayati, Rini Hernawaty, Hernawaty Heryanto Siburian Husni Muharram Ritonga Ida Fatimah Ifan Sri Cahyani Marunduri Indah Sari, Wahyu Irma Fatmawati Isnan sarwo prasetyo Jamaluddin Jamaluddin Jose Marco G. Reyes Juliana Tiurida Purba Kadir, Zahidah Abd Kiki Farida Ferine Larisma RL Sitanggang Lusianna Banurea M S, Menganjur M. Agung Putranto Andriani Madaniyah Fitrahayati Maroli Putra Megawati Mora Putri Merlinda Merlinda Mesra B Mesra B Mesra B MESRA MESRA, MESRA Mesra, B Milton Situmorang Muammar Rifqi Muazimah Muchtar, Aditya Muhammad Fahmi Muhammad Faisal Muhammad Faishal Annas Muhammad Isa Indrawan Muhammad Rizky Sembiring Muhammad Syahrin Asman Muhammad Syahrin Asman Muhammad Syahrin Asman Muhammad Valery Maulidzar Siregar Muhammmad Isa Indrawan Munawar Rizal Nasib Nikous Soter Sihombing Nur Fatiha Utami Nasution Nurafrina Siregar Nurfafrina Siregar Paridah Putra, Yogi Putri Ramadhani Rahmat Rahul Ardian Fikri Ramadhan Harahap Rashdan Bin Rashid Rica Yulia Nasution Rosanty, Yossie Rosasmanizan Binti Ahmad Rosasmanizan Binti Ahmad Rukaiyah Ruth Meivera Siburian Saiful Riza Sandoval, Marcos R. B. Sanny, Annisa Sirajuddin Siregar, Fachru Rozie Siregar, Muhammad Valery Maulidzar Siswahyudianto Siti Arnisah Siti Nurmaizar Sitompul, Agriani Sartika Sitorus, Syahrial Slamet Widodo Slamet Widodo Sri Rahayu SRI RAHAYU Sri Rahayu, Sri Rahayu Suci Indah Hakiki Sujarno, Ari Suranta Sinukaban, Dedy Susilawati, Susilawati Tarigan, Rafidha Yasmin Taufik Harijanto toyib daulay Verianni Sinaga Virdyra Tasril Andriani Yasari, Hamnah Yose Ferry Yossie Rosanty Yossie Rossanty

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